Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Savings interest rate2.50% p.a. up to ₹50 crore; 2.75% from ₹50 crore to below ₹500 crore; 3.50% from ₹500 crore to below ₹1,000 crore; 4.50% from ₹1,000 crore to below ₹2,000 crore; 4.75% from ₹2,000 crore and above.Effective 22 Aug 2025View source
The bank publishes the same -deposit slab table for savings balances, with rates from 2.50% to 4.75% p.a.
- Source
- Savings Bank Deposits
- Page / section
- Slab-wise revised rate of interest on deposits
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum-balance shortfall chargeNo charge for non-maintenance of minimum balance under savings-bank schemes; premium savings schemes are excluded from this waiver.Effective 1 Jul 2025View source
The service-charge page states zero charges on non-maintenance of minimum balance for all savings-bank schemes, excluding premium savings accounts.
- Source
- Service Charges
- Page / section
- Savings-bank minimum-balance charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Account typeBasic Savings Bank Deposit Account under Pradhan Mantri Jan-Dhan Yojana, available at Bank of Baroda branches and Business Correspondent points.View source
The official page states that the PMJDY account can be opened at a Bank of Baroda branch and Point.
- Source
- Pradhan Mantri Jan-Dhan Yojana
- Page / section
- Overview / Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum balanceNo minimum balance requirement.View source
The product page lists no requirement to maintain a minimum deposit balance.
- Source
- Pradhan Mantri Jan-Dhan Yojana
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Debit cardRuPay debit card is provided; the account also supports mobile banking, internet banking and passbook.View source
The official page states that Jan-Dhan account holders are eligible for mobile banking, internet banking, debit card and passbook.
- Source
- Pradhan Mantri Jan-Dhan Yojana
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Overdraft limitOverdraft up to ₹2,000 without assessment, subject to eligibility; beyond ₹2,000, eligible amount is the lower of four-times preceding six-month average balance, 50% of preceding six-month credit summation or ₹10,000.View source
The official page publishes the ₹2,000 no-assessment overdraft and the formula for higher eligible amounts.
- Source
- Pradhan Mantri Jan-Dhan Yojana
- Page / section
- Features — Overdraft
- Accessed
- 21 Aug 2026
- Confidence
- high
EligibilityEligible individuals under the PMJDY/BSBD rules; a BSBD account holder should not maintain another savings-bank account at any bank or branch under the RBI condition stated on the page.View source
The page says a account holder should not have another savings bank account at any bank or branch.
- Source
- Pradhan Mantri Jan-Dhan Yojana
- Page / section
- / condition
- Accessed
- 21 Aug 2026
- Confidence
- high
Salary requirementNot applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.View source
The reviewed account catalogue and linked product pages classify these variants as current, savings, inclusion, pensioner or locker products and do not state a salary-credit requirement.
- Source
- Bank of Baroda account catalogue — non-salary variants
- Page / section
- Account categories and linked product eligibility
- Accessed
- 29 Aug 2026
- Confidence
- high
Cheque book30 cheque leaves in a year.View source
The current PMJDY page lists Cheque Book (30 cheque leaves in a year).
- Source
- Pradhan Mantri Jan Dhan Yojana
- Page / section
- Key Features and Benefits — Cheque Book
- Accessed
- 6 Sept 2026
- Confidence
- high
Eligibility
- Eligible individuals under the PMJDY/ rules
- a account holder should not maintain another savings-bank account at any bank or branch under the condition stated on the page.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗Pradhan Mantri Jan Dhan Yojana — current official product pageofficial-product-page · current · accessed 6 Sept 2026
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